Bad debt is sacrificing your future day needs for your present day desires.

I have a million dollars in the stock market, because if I lose a million dollars, I don't personally care.

Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.

We never had it as rough as the kids have it today. Look at the price of a gallon of gas or a piece of real estate or a college education.

Thoughtful financial planning can easily take a backseat to daily life.

I want to see a new system. I believe that the credit scoring system is broken. That's my belief.

We tend to focus on assets and forget about debts. Financial security requires facing up to the big picture: assets minus debts.